Comenity Bank/Anntylr: Increase Your Approval Odds (+ Get Better Rates)

We generally only recommend Comenity Bank/Anntylr if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.

Is Comenity Bank/Anntylr a good credit card for me?

Every situation is different, so it's hard to give a blanket recommendation on whether or not Comenity Bank/Anntylr is the right card for you.

However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.

Is Comenity Bank/Anntylr worth it?

There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not Comenity Bank/Anntylr is worth it for you.

We recommend considering the following when looking into getting any credit card (as a starting point at least):

• Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
• Are there are signup bonuses available with this card?
• What annual fees does it have?
• Are there penalty APRs?
• Does it have an interest free period, and if so, how long is it?
• How does it's APR compare to other cards?
• How does the rewards/points system work?

What are the approval odds for Comenity Bank/Anntylr?

The approval odds are going to be heavily dependant on your credit score, income & expenses.

If you have a credit score of 750+, you can basically get approved for most credit cards, including the Comenity Bank/Anntylr. But if you have a "poor" credit score, it's going to be a lot more difficult.

What credit score do I need for Comenity Bank/Anntylr?

A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.

Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).

Improve your credit score BEFORE applying for Comenity Bank/Anntylr

If your credit score is preventing you from qualifying for Comenity Bank/Anntylr, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.

Once we've improved your score for you, you'll be in a much better place to apply & get approval for Comenity Bank/Anntylr. Not to mention all the other benefits that come with a great credit score!